MSHDA Mortgage Credit Certificate (MCC)

MSHDA Mortgage Credit Certificate (MCC) est un certificat de crédit d’impôt hypothécaire pour les futurs propriétaires de Statewide County, Michigan, sous la gestion de Michigan State Housing Development Authority (MSHDA). The MSHDA Mortgage Credit Certificate (MCC) is a federal income tax credit issued in connection with the purchase of a home. Qualified homebuyers can credit 20% of the annual mortgage interest paid against their year-end federal tax liability as a dollar-for-dollar reduction in tax owed, for the life of the original mortgage (up to 30 years). It is available to first-time homebuyers statewide and to repeat homebuyers in targeted areas, and must be applied for and approved through an approved MCC lender before purchase. Federal tax credit of 20% of annual mortgage interest paid. Dollar-for-dollar reduction in federal income tax liability. Credit available for the life of the original mortgage (up to 30 years). Available to first-time homebuyers statewide and repeat homebuyers in targeted areas. MSHDA reimburses any IRS recapture tax the seller pays.

MSHDA Mortgage Credit Certificate (MCC) offre jusqu’à $2,000 d’aide. Les montants sont les plafonds publiés par le programme, et non une offre — Michigan State Housing Development Authority (MSHDA) décide de chaque aide individuelle.

MSHDA Mortgage Credit Certificate (MCC) est un crédit d’impôt et non un prêt : il n’y a donc rien à rembourser. Les conditions d’annulation et de remboursement sont fixées par le programme et peuvent changer — vérifiez-les sur la page officielle du programme avant de déposer une demande.

MSHDA Mortgage Credit Certificate (MCC) est ouvert à les primo-accédants et les futurs propriétaires qui occuperont le logement comme résidence principale. « Primo-accédant » comporte ici des exceptions : First-time homebuyer requirement (no ownership interest in a principal residence in the preceding three years) is waived for buyers purchasing in federally designated targeted areas; repeat homebuyers are eligible in targeted areas. Condition de résidence : Must occupy the residence as principal residence within 60 days after closing. MCC must be applied for and approved through an approved MSHDA MCC lender PRIOR to purchasing the home; it is only available with a mortgage for a home purchase (not a refinance). The mortgage cannot pay off an existing mortgage or land contract (exceptions for certain construction-period/temporary loans). MCC is nonrefundable; the benefit cannot exceed federal taxes owed in a given year. All overtime income must be included in household income. Borrowers must meet the participating lender's credit/underwriting criteria.

MSHDA Mortgage Credit Certificate (MCC) fixe son plafond de revenus ainsi : Household income limits vary by county and by targeted vs. non-targeted area, with separate limits for 1-2 person and 3-or-more person households (effective 6.1.2026). The borrower must meet the lower of state and federal income limits, and all overtime income must be included. Non-targeted area examples (1-2 / 3+ persons): most counties $98,400 / $113,160; Kent (non-targeted) $106,600 / $122,590; Ottawa (non-targeted) $113,700 / $130,755; Livingston (non-targeted) $129,000 / $148,350. Targeted area examples (1-2 / 3+): baseline $118,080 / $137,760; Kalamazoo $129,720 / $151,340; Washtenaw $170,760 / $199,220. See the MSHDA Income & Sales Price Limits table (6.1.2026) for the full county-by-county breakdown. Le plafond s’applique au revenu total du ménage, pas seulement à celui de l’emprunteur. Les chiffres du revenu médian de la zone sont publiés par HUD et mis à jour chaque année : consultez le tableau en vigueur pour le comté avant de vous fier à un chiffre.

MSHDA Mortgage Credit Certificate (MCC) plafonne le prix d’achat à $566,355. Les types de logements admissibles comprennent Single Family, Condo et Manufactured. Les constructions neuves sont admissibles. Les maisons préfabriquées sont admissibles.

MSHDA Mortgage Credit Certificate (MCC) s’adresse aux futurs propriétaires qui achètent à Statewide County, Michigan. Le programme donne la priorité à des zones cibles désignées : l’adresse compte donc autant que le comté.

Les demandes pour MSHDA Mortgage Credit Certificate (MCC) passent par Michigan State Housing Development Authority (MSHDA), qui publie les conditions en vigueur et les étapes de la demande sur son propre site. Les fonds sont réservés par l’intermédiaire de First-come, first-served basis; applications made through participating lenders. No allocation of MCCs by lender or by geographic area. Hey Prescott n’est pas un prêteur et n’accepte pas de demandes ; cette page décrit le programme pour qu’un futur propriétaire puisse en parler à un prêteur ou à un conseiller en logement.